Well, first, you can only contribute to an IRA — roth or otherwise — if you have earned income in that year. So I would definitely make the 2022 contribution and get the 2022 tax deduction. That means the government is paying for part of your contribution! Do it before April 18th when your tax return is due.
But I have another question. Have you made an overall financial plan for retirement? Are you planning to live only on your Social Security? Have you thought about delaying one or the other’s SS benefits to get a higher check.
Try using the calculator at www.MaximizemySocialSecurity.com — before you make a big mistake.
And although it may seem expensive, maybe a session or two with an overall financial planner — not a salesperson! — would help you gain perspective. Consider this link.